Terms & Conditions

1. Account Eligibility

You must be at least 18 years old and a legal resident of the United States to open an account. You agree to provide accurate, current, and complete information and to update this information as necessary. We reserve the right to refuse service to anyone at our sole discretion.

2. Account Security

You are responsible for maintaining the confidentiality of your login credentials. You agree to notify us immediately of any unauthorized use of your account. We are not liable for any loss resulting from your failure to protect your credentials.

3. Acceptable Use

You agree not to use our services for: illegal activities, money laundering, terrorist financing, fraud, or any activity that violates applicable laws. We reserve the right to terminate accounts used for prohibited purposes.

4. Transaction Limits

We may impose limits on transaction amounts, frequencies, and types for security and regulatory compliance purposes. Current limits are listed in your account settings and may change with notice.

5. Fees & Charges

We maintain a schedule of fees for various services. Fees are disclosed prior to account opening and may be updated with 30 days notice. Applicable fees will be deducted from your account.

6. Interest Rates

Interest rates on savings accounts and loans are variable and subject to change based on market conditions. Current rates are posted on our website and in your account portal.

7. Electronic Communications

By opening an account, you consent to receive electronic communications, including statements, notices, and disclosures. You may opt-in for paper statements subject to applicable fees.

8. Limitation of Liability

To the maximum extent permitted by law, we shall not be liable for indirect, incidental, or consequential damages arising from your use of our services. Our total liability shall not exceed the balance in your account at the time of the claim.

9. Dispute Resolution

Any disputes arising from these Terms shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. You waive your right to a jury trial.

10. Governing Law

These Terms are governed by the laws of the State of New York. Any legal action must be brought in the courts located in New York County, New York.

11. Amendments

We reserve the right to modify these Terms at any time. Material changes will be communicated via email or account notification. Continued use of services after notification constitutes acceptance.

12. Termination

Either party may terminate the banking relationship with appropriate notice. We may close accounts immediately for violation of these Terms or applicable law.